Video: What does is mean to be “Properly Insured”? Start Transcript: What does is mean to be “Properly Insured”? Brigham Cluff: What do you do when a client walks through your door and they know that they need insurance but they don’t know much beyond that? Derek Wilcock: Depending on…

Video: Who is Derek Wilcock of Wilcock & Associates? Start Transcript: Who is Derek Wilcock of Wilcock & Associates? Brigham Cluff: This is Brig Cluff, I’m with Derek Wilcock the president of Wilcock and Associates and independent insurance brokerage. How long have you been in the insurance business? Derek Wilcock:…

Video: What is “full coverage”? Start Transcript: What is “full coverage”? Derek Wilcock: A lot of people think when they have full coverage, everything is covered and they’re okay, they’ll be protected. That’s not the case. Full coverage could mean that your car is covered and your liability, you have…

Video: What is Collision Coverage? Start Transcript: What is Collision Coverage? Derek Wilcock: Collision coverage is if your vehicle collides with another vehicle. Or, let’s say a teenager has no insurance that hits you, they collide with you and they have no insurance, your collision coverage under your car, assuming…

Video: Why are the AZ state minimums for auto policies so low? Start Transcript: Why are the AZ state minimums for auto policies so low? Brigham Cluff: Do you know how long those state minimum liability policy limits have been in effect? Derek Wilcock: 40 plus years. Brigham Cluff: Wow!…

Video: What is Medpay? Start Transcript: What is Medpay? Brigham Cluff: What’s Medpay? Derek Wilcock: Medpay is quick and easy insurance. If you’re injured, or anyone in your vehicle’s injured in an accident, whether it’s your fault or not; for an example, if you’re driving down the road and you…

Video: How an insurance agent can help with a claim Start Transcript: How an insurance agent can help with a claim A lot of the insurance companies now, in fact, the majority of them, have an 800 call where you call and submit the claim, and they get the process…

Video: How do insurance companies make money? Start Transcript: How do insurance companies make money? Brigham Cluff: How does an insurance company make a profit? Derek Wilcock: They basically take their premium dollars. Let’s say you have a car policy and you pay $500 or $1,000 a year for your…